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If you want to earn rewards on your routine purchases without the hassle of keeping track of bonus rewards categories, the Wells Fargo Active Cash® Card is a standout credit card option. It has a higher-than-usual flat rewards rate of 2% on all purchases, and it doesn’t have an annual fee.

• Cell phone protection: Use the card to pay your cell phone bill and you’ll automatically receive cell phone protection. This benefit reimburses you up to $600 — subject to a $25 deductible — if your phone is stolen or damaged. You’re limited to a maximum of two paid claims per 12-month period.

• Concierge: The Visa Signature concierge benefit can help you secure dining reservations and event tickets.

• Luxury Hotel Collection: As a Wells Fargo Active Cash cardholder, you get access to the Visa Signature Luxury Hotel Collection. When you use your card to book stays at eligible hotels, you’ll get benefits like automatic room upgrades, complimentary WiFi, complimentary breakfast, and late check-out (when available).

• Auto rental collision damage waiver: When you rent a vehicle on vacation, use your card to pay for the rental and you can get coverage against qualifying damages or theft.

• Travel and emergency assistance: When you’re traveling, unexpected emergencies may pop up, like an illness or stolen passport. The travel and emergency assistance hotline can help you handle it with medical and legal referrals, passport services, and more. However, you’re responsible for paying the fees for any services provided.

• Roadside dispatch: With your card, you can contact roadside dispatch for help with a flat tire, dead battery or tow 24/7. You’re responsible for paying for any services provided.

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With its simple rewards structure and higher-than-usual rewards rate, the Wells Fargo Active Cash card is a good credit card for routine purchases. From groceries and gas to online shopping, dining out, and more, you’ll earn 2% cash back and rack up rewards.

Some transactions won’t count towards rewards, though. These include cash advances and balance transfers, casino chips, wire transfers, lottery tickets, credit card fees, and more.

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You can redeem your Wells Fargo Active Cash rewards in the following ways:

• Purchases: You can redeem rewards to pay for recent purchases you made with your credit card via statement credit. You can use your rewards to cover purchase amounts as low as $1.

• Deposit to checking account: You can request your rewards be deposited into your checking account.

• Debt payments: If you have a Wells Fargo credit card or mortgage, you can redeem your rewards for payments toward those accounts.

• Redeem for ATM cash: If you accumulate at least $20 in rewards, you can redeem them for cash with a Wells Fargo debit or ATM card.

• Gift cards: Purchase gift cards in $25 increments from major retailers and restaurants.

• Travel: You have the option of redeeming your rewards for travel accommodations or airfare.

Typically, Wells Fargo Active Cash rewards are worth one cent each. But some redemption methods, such as gift cards or travel, may have fluctuating values.

The no annual fee Wells Fargo Active Cash card is best for individuals who are new to credit card rewards and those who simply want a basic rewards card for everyday purchases. You don’t have to keep track of special bonus categories or rotating calendars and you’ll earn a flat cash back rate on every purchase. Plus, the card has some generous added perks and benefits, like cell phone protection, making it even more appealing.

However, the card requires you to have good to excellent credit. If you don’t have an established credit history or are in the process of rebuilding your credit, you may not be eligible.

• Higher-than-usual cash back rate: There are other rewards cards that offer a flat cash back rate, but they tend to offer 1.25% to 1.5% cash back. The Wells Fargo Active Cash card’s 2% cash back rate is relatively high.

• No annual fee: The Wells Fargo Active Cash card doesn’t have an annual fee. Assuming you always pay your statement balance in full every month, you can earn rewards without paying added fees or interest.

• Robust benefits: Other cards that offer perks like cell phone protection or auto rental coverage tend to have high annual fees, so the Wells Fargo Active Cash card’s benefits are surprisingly robust for a card without an annual fee.

• Foreign transaction fees: If you love to travel internationally, you may need another credit card. The Wells Fargo Active Cash charges foreign transaction fees, so you’ll pay a 3% fee for every transaction you make outside of the U.S.

• Poor customer service reviews: Wells Fargo doesn’t have the best reputation as a bank or credit card issuer; J.D. Power ranked Wells Fargo lower than the industry average in customer satisfaction in its 2023 Credit Card Satisfaction Study.

• Good-to-excellent credit required: Not everyone will qualify for the Wells Fargo Active Cash Card. For the best chances of getting approved, you’ll need a credit score of 670 or higher.

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Payments for the Wells Fargo Active Cash card can be made online, through the Wells Fargo mobile app or by calling customer support:

You can also make payments at Wells Fargo ATM locations nationwide.

Wells Fargo has a 24/7 customer support line for account management and to report lost or stolen cards. You can reach customer support by phone, or you can make an appointment with a local branch.

If you spend a significant amount of money in certain spending categories, such as restaurant meals or fuel for your card, you may be better off with another rewards card that offers a higher rewards rate for that category.

Why we like it: Like the Wells Fargo Active Cash Card, the Blue Cash Everyday Card from American Express has no annual fee (). But rather than a flat cash-back rate, you can earn 3% cash back* at U.S. supermarkets, U.S. online retail purchases, and U.S. gas stations (on the first $6,000 spent in each category per year, then 1%). On all other purchases, you’ll earn 1% cash back. The welcome offer for this card is a similar $200 statement credit, but you’ll need to spend $2,000 within the first six months to earn it.

*Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.

Why we like it: The Quicksilver Cash Rewards card from Capital One doesn’t have an annual fee, and you’ll earn a flat 1.5% cash-back rate on all purchases. That rewards rate is lower than the Wells Fargo Active Cash Card’s 2% cash back, but the Quicksilver Cash Rewards card has other advantages. For one, you can earn a boosted 5% cash back when you book hotels and rental cars through Capital One Travel. It also doesn’t charge foreign transaction fees, so it may be a good choice when traveling outside the country, and it offers perks like extended warranty protection and travel accident insurance. The Quicksilver has a very similar welcome offer, too; you can earn a $200 cash bonus when you spend at least $500 within the first three months.

Why we like it: For those looking to maximize travel rewards, the Chase Sapphire Preferred Card may be a useful choice. Although it has a $95 annual fee, it has a more flexible rewards program; you can earn 5x points on travel purchased through Chase Travel℠; 3x points on dining, select streaming services, and online groceries; 2x on all other travel; and 1x points on everything else. Plus, you’ll get 25% more value when you redeem your rewards for travel through Chase Travel. With the welcome offer for this card, you can earn 60,000 points after spending $4,000 within the first three months — and get up to $300 in statement credits for Chase Travel purchases in your first year.

This article was edited by Kendall Little

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